Sunday, June 28th, 2009

Do we have the right of copy to the credit report/score?

credit report score
rotab cohpa asked:


I pre-approved for a mortgage loan in one bank. Of course, they run my credit report and score. Now, I want to pre-approve in another bank to have options and maybe better rate. Instead of having to open up again my credit report/score, do i have right to request for a copy of my credit report/score from the first bank?
I ask for it they said they can’t give me a copy because of privacy laws.

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This entry was posted on Sunday, June 28th, 2009 at 12:00 am and is filed under How To Improve Your Credit Score. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

6 Responses to “Do we have the right of copy to the credit report/score?”

golferwhoworks Says:
June 29th, 2009 at 7:52 am

in the U.S. They must give you the score page. Not the whole report. It is now part of RESPA. The new company cannot use some one Else’s credit report though. Sorry but that to is the way it goes.

Anjell Says:
June 30th, 2009 at 6:32 pm

No, each lender must do their own independent credit score and report check. You can ask the credit bureau for a copy - you definitely have that right. I suggest you deal with a broker so you only have to do one credit check and then can access many lenders.

Sand Bag Says:
July 3rd, 2009 at 6:54 pm

Here is how it works, when a company checks your credit, it counts against your credit score. When you personally request a credit report, it has no effect on your score. You also should know that all home loan inquiries within 30 days are counted as one inquiry.

educated guess Says:
July 4th, 2009 at 3:54 am

No you do not get a copy of it. The only way you are entitled to it is if you are the one asking for it directly from the Credit Bureau.

Dont_taze_me_bro Says:
July 5th, 2009 at 4:31 am

Why not just compare rates to ensure you’re getting the best deal?

jken2030 Says:
July 7th, 2009 at 6:19 am

Did you know there are 3 Credit reports about you, not just 1?

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